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Cheap Car Insurance in Manchester, New Hampshire

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As the largest city in New England, Manchester is revered for being one of the top vacation destinations in the country. Neighboring Nashua is also a beacon for visitors. The area is well known for its standard of living, named one of the “100 Best Cities to Live in America” by Livability and “Best Place to Live in America” by Money Magazine.

From outdoor activities along majestic Lake Massabesic to hitting the slopes at the McIntyre Ski Area, there are adventures for every taste. Manchester and Nashua’s most popular attractions include the Currier Museum of Art, Massabesic Lake, Northeast Delta Dental Stadium, and the Zimmerman House.

Every single Manchester-Nashua driver is required to carry auto insurance. Read more about car insurance in New Hampshire, including average rates paid by zip code, age group, and nearby cities.

Quick Facts

  • The largest city in northern New England is Manchester.
  • New York City, Montreal, Portland (the one in Maine), Providence (Rhode Island), and Boston are all within a five-hour drive of Manchester.
  • The White Mountain and Lakes Region are less than an hour from Manchester.
  • Manchester has a population of 115,644 (2020 census).
  • Money Magazine named Nashua the “Best Place to Live in America” two times.
  • Nashua is the second-largest city in northern New England.

How Much Does Car Insurance Cost in Manchester, NH?

In New Hampshire, the average cost of full coverage car insurance is $106 per month. In Manchester, expect to pay an average monthly rate of $107, while full coverage will cost you an average of $100 monthly in Nashua. These rates are much lower than the national average monthly rate of $140.

Drivers who choose the cheapest car insurance in Manchester, New Hampshire will be opting for the state-required minimum insurance coverage, which includes liability car insurance, uninsured motorist coverage and MedPay. In Nashua, this will run you about $43 per month, while in Manchester, the average is $47. In New Hampshire overall, this cheapest car insurance is $32 monthly and nationally, it is $47 per month.

New Hampshire is unique among the states, as it is one of the few that does not require car insurance. However, if you are responsible for someone else’s injuries and damages, you must show proof of financial responsibility. Choosing to buy the minimum liability available can protect your assets if you cause an accident. If you do choose to purchase auto insurance, then you must buy at least the state-required minimum.

Remember, only full coverage auto insurance (liability + comprehensive car insurance + collision auto insurance) protects you if you cause an accident or if something happens to your car, such as weather-related damage.

Here’s a comparison of average monthly premiums for cities in New Hampshire, including Manchester. Drivers in less congested areas will have lower premiums, since there will be fewer overall accident and crime claims.

City Full Coverage Insurance Liability Insurance Coverage
Manchester $107 $47
Nashua $100 $43
Concord $87 $37
Troy $88 $33
Franklin $87 $35
Plymouth $86 $33
Rochester $90 $37

Affordable Car Insurance Rates by Zip Code in Manchester, NH

Your zip code affects your car insurance rates. The higher the number of claims, reported instances of theft, and other negative risk factors, the higher the rates. So do not be surprised if a neighbor down the street pays 20% less for the same policy than you do.

For average monthly premiums paid by zip code in Manchester, see our breakdown below.

Zip Code Full Coverage Insurance Liability Insurance Coverage
03064 $98 $42
03101 $107 $47
03102 $107 $46
03103 $104 $46
03104 $108 $47
03109 $101 $45
03060 $100 $43
03062 $98 $42
03063 $97 $41
03064 $98 $42
03109 $101 $45

Low-Cost Car Insurance Rates by Age in Manchester, NH

Generally, insurance rates are lower for people in their 30s, 40s and 50s than for drivers who are just starting out. Young drivers are considered high-risk and, as such, will pay more for their lack of driving history, plus a collective tendency to rack up more accidents and citations. Keeping a clean driving record is the best way to keep your insurance costs consistently low as you age.

For average monthly premiums paid by age group in Manchester – Nashua, see our breakdown below.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $328 $142
20s $120 $50
30s $100 $43
40s $90 $39
50s $86 $38
60s $94 $40
70s $101 $44

Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by New Hampshire. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase. 

Get a Quote for Car Insurance in New Hampshire Today!

Driving Conditions in Manchester, New Hampshire

How Many Fatal Accidents Happen in Manchester, NH?

In 2019, there were five fatal car accidents in Manchester and six fatal car accidents in Nashua, resulting in 11 fatalities.

How Are the Road Infrastructure and Bridges in Manchester, New Hampshire?

Manchester-Nashua’s Department of Public Works does an exceptional job of improving road infrastructure and bridges in the area. Recent projects have included roadway reconstruction in William Gannon/Chad Roads, bridge construction operations at the southbound Exit 8 on-ramp to I-93 at Wellington Road, and rehabilitating the Queens City Bridge.

For more information on Manchester’s Public Works projects, visit the City of Manchester – Department of Public Works.

Minimum Car Insurance Requirements in Manchester, NH

Although New Hampshire does not require car insurance, if you choose not to purchase it and then cause an accident that you cannot pay for, your driving privileges may be suspended. Additionally, you will be subject to a lawsuit from the injured party, which could involve your assets being seized.

If you do choose to purchase car insurance in New Hampshire, then you must purchase at least the following minimum:

  • Bodily injury liability coverage: $25,000 per person
  • Bodily injury liability coverage: $50,000 per accident
  • Property damage liability coverage: $25,000
  • Uninsured motorist coverage: $25,000/$50,000
  • MedPay: $1,000

Additionally, New Hampshire is an at-fault state, which means at-fault drivers must compensate all affected drivers for loss of wages, medical bills, and vehicle damage. If another driver is at fault, you will file a claim with the other person’s insurance provider.

New Hampshire considers partially at fault situations reasonably. For example, if a collision resulted in $90,000 worth of damages and a court decides you are liable for 50% of the crash, you will be expected to pay $45,000 through your insurance provider or out-of-pocket if coverage is not sufficient.

What Are the Penalties for Driving Without Insurance in Manchester, New Hampshire?

Driving without auto insurance in Manchester will result in plenty of aggravation.

First-time offenders can expect to have their license and registration suspended until proof of insurance is provided. You will also be forced to pay a $100 license/operation privilege fee and a $25 registration restoration fee. If you wish to appeal for whatever reason, you may request an administrative hearing within 10 days of filing the accident report.

Another unfortunate circumstance of driving without insurance in Manchester is the required filing of an SR-22 (proof of financial responsibility) for three years, causing your premiums to go up significantly.

Remember, New Hampshire’s minimum liability coverage requirements are $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $25,000 for property damage.

Factors Allowed in Car Insurance Rates in Manchester, NH

There are many factors insurance carriers use to determine your rates, including age, gender, vehicle make/model, and zip code of residence.

Other factors affecting car insurance rates paid by Manchester residents include:

  • Credit score
  • History of accidents or tickets
  • History of insurance claims
  • Marital status
  • Job title

Discounts for Car Insurance in Manchester, New Hampshire

If you’re a good driver with no claims on your record, you can expect to benefit from auto insurance discounts. However, almost everybody qualifies for at least one car insurance discount, so be sure and ask your agent.

Some discounts available to Manchester residents include:

Call your insurance carrier to inquire about discounts that can lower your premium. It’s a good habit to call every six months or as your life circumstances change to see if you qualify for any new discounts. For example, switching from a late model Tesla Model X to a 2004 Honda Accord with lower parts and labor costs could save you hundreds of dollars a year in premiums.

Get an Online Quote for Low-Cost Car Insurance in Manchester, New Hampshire Today!

Clock tower architecture in Manchester, New Hampshire

Freeway Insurance does the work comparing quotes, so you don’t have to. Find peace of mind with Freeway Insurance with an affordable auto insurance policy for you and your family.

To get started, request a fast and free car insurance quote online, visit a Manchester office near you, or call us for a free, no-obligation quote at 800-777-5620. Reach out to us today!